Infinite Credit Card

What makes this card Islamic

Sohar Islamic builds this card on a Ujrah contract. The bank charges you a fixed fee for the service of giving you a card, rather than a charge that grows with the money you owe.

The card's own FAQ states it plainly: 'Unlike conventional cards that charge interest, this card operates under Shariah structures (such as Ujrah), where fees are transparent and approved by a Shariah Board' and 'No, interest is not charged. Instead, a fixed rate (Ujrah) fee may apply as per the agreed terms.'

Approved by Shari'a Supervisory Board of the Bank, under the supervision of Central Bank of Oman (CBO).

What it costs

Every figure below comes from Sohar Islamic’s own published documents. Where the bank does not publish a number we say so rather than estimate it.

Annual fee

No annual feePrimary card annual fee: 'Free for Life'. Supplementary cards: first card is free.source

Profit rate

0% a month on the outstanding balance0% a year as stated by the banksource

Cash withdrawal

OMR 5 + 3% of amount. Cash advance limit 90% of card limit. Materially more expensive than the flat OMR 3 on the other Sohar Islamic tiers.

Late payment

OMR 10Stated as 'OMR 10 + 3% on amount due' on this card's fee table. This CONFLICTS with the Gold/Platinum/Signature tables ('1% on overdue amount') and with the Sohar Islamic credit-card FAQ, which says late payment fees 'shall not exceed 1% of the overdue amount' and must be transferred to charity. Unreconciled by the bank.

Over limit

OMR 20

Foreign currency spend

2.5% on top of the exchange rate

Replacement card

OMR 20

Takaful cover

Comprehensive insurance is bundled: cover for travel, medical, purchase protection, extended warranty and zero lost-card liability. The bank does not name the underwriter or state whether the cover is Takaful or conventional insurance, and publishes no sums insured.

What you get back

• Complimentary 5,000 reward points
• Earn more value for your purchases with the loyalty program

Other benefits

• Free unlimited access to 1,000+ airport lounges worldwide via Visa Airport Companion, with free access for 2 guests per visit
• Easy instalment plan over 24 months with no Ujrah
• Comprehensive insurance: travel, medical, purchase protection, extended warranty, zero lost-card liability
• 24/7 Global Emergency Assistance — freeze the card by phone from anywhere in the world
• 24/7 Visa Concierge service (fine-dining reservations, accommodation and transport planning, preferred rates, airport meet and greet and fast track)
• Visa 3D Secure on online transactions
• Primary card free for life

Before you apply

• OMR 120 per month is the highest published Ujrah of any Islamic credit card in Oman — the 'free for life' annual fee is only free if the balance is never carried.
• The published late payment fee (OMR 10 + 3% on amount due) and cash advance fee (OMR 5 + 3%) are structured as percentages of the amount, which sits awkwardly against the bank's own FAQ capping late fees at 1% of the overdue amount and directing them to charity. Verify with the bank.
• Over-limit fee is OMR 20 versus OMR 5 on every other Sohar Islamic tier.
• Availability is partly by invitation.

Can you get it?

Minimum income

OMR 3,000 a monthsource

Age

18 to 60

Other conditions

Minimum salary OMR 3,000. Issued to eligible customers or by invitation to selected customers. The 18-60 age band and the salary-transfer / 120%-deposit-hold routes stated in the Sohar Islamic credit-card FAQ apply to the range; that FAQ lists only Gold, Platinum and Signature as 'the types of Sohar Islamic credit cards', so the Infinite sits outside the standard application flow. Minimum payment 5% or OMR 10 whichever is higher.

Where these figures come from

Last checked against Sohar Islamic’s published documents on 2026-08-17. Banks change fees without notice, so treat the bank’s own document as the final word, not this page.

• “"120 OMR Monthly Ujrah fee / Free Annual fee / 3,000 OMR Minimum salary" — soharislamic.om, Infinite Credit Card hero panel”
• “"Primary card annual fee: Free for Life" / "Ujrah Fee: OMR 120/- per month" — soharislamic.om, Infinite Fees and commission”
• “"Free Unlimited access to 1000+ lounges across the world with free access to 2 guest per visit" — soharislamic.om, Infinite Credit Card, Visa Airport Companion”
• “"Easy instalment plan (24 months) with No Ujrah. Terms & Conditions apply." — soharislamic.om, Infinite Credit Card”
• “"Unlike conventional cards that charge interest, this card operates under Shariah structures (such as Ujrah), where fees are transparent and approved by a Shariah Board." — soharislamic.om, Islamic Infinite Credit Card FAQ”
• “"Cash advance fee: OMR 5 + 3% of amount" / "Late payment fee: OMR 10 + 3% on amount due" / "Over limit fee: OMR 20" — soharislamic.om, Infinite Fees and charges”
• “"The Sohar Islamic Infinite Credit card is issued to eligible customers or by invitation to selected customers." — soharislamic.om, Infinite Eligibility”
• “"Complimentary 5000 Reward Points." — soharislamic.om, Infinite Credit Card”

• Product page
• Schedule of charges